Claiming for carpet on insurance?....

larryuk

Hi all,

My wife had an accident today with the hoover on our lounge carpet, whilst hoovering she caught a loose thread at the edge of the carpet (at the point that it meets a metal edging before the kitchen) and the hoover then managed to suck the thread up a pull it out so we now have a missing line of carpet/thread about 1m long and 1cm wide. Basically it is now ruined.

Is this something that is possible to claim for on contents insurance? I've never claimed before and although I know we have accidental damage, not sure if this type of thing would be covered!

Damn Dyson!

foxxymynx

yes, it will be. They'll either repair it or you'll get a new one (usually done by vouchers, if all insurers are like mine)

McKneff

No reason why it shouldnt if you have accidental damage cover.
I have CIS and they just asked for the final invoice and sent me a cheque.
On another occasion they just paid the invoice straight to the supplier.

larryuk

Ok well thats good to know. Will have to get on the phone to them!

cogito

You can't make the assumption that the damage is covered without consulting the insurers. Most policies exclude damage occuring during the process of cleaning. This would be a harsh interpretation of what has happened in this case but the situation is not clear cut.

lisyloo

Would it be possible to look into getting a wider piece of metal edging?

1cm is not a lot and it could save you a lot of hassle in terms of increased premiums etc.

I would certinaly be looking into this option.

lisyloo

Would it be possible to look into getting a wider piece of metal edging?

1cm is not a lot and it could save you a lot of hassle in terms of increased premiums etc.

I would certinaly be looking into this practical option.

woodys_wonders

I would ring your Insurers and check as most policies exclude damage whilst cleaning and they may look at this under that clause.